For CEOs, CFOs and senior leaders whose remuneration is more than a payslip — bonus, equity and trust income given full value, private-bank pricing negotiated on your behalf.
Total client effort, purchase to settlement: under 90 minutes.
| Component | Typical lender | Structured by us |
|---|---|---|
| Base salary | 100% | 100% |
| Short-term incentive | Shaded to 60% | 100% credited |
| RSUs / vesting equity | Excluded | Assessed credited |
| Trust distributions | "Too complex" | Assessed credited |
| Director's fees | Case by case | Assessed credited |
Outcomes depend on lender policy and individual assessment. Shown to illustrate how the same package can be read very differently.
Short-term incentives shaded. Equity ignored. Trust income put in the too-hard basket. A recent promotion treated as instability. The result: executives routinely borrow less than their position supports, on worse terms, after weeks of paperwork.
Typical shading applied to bonus income by mainstream credit policy — before negotiation.
Common gap in assessed borrowing capacity between the best and worst lender reading of the same executive package.
Value most lenders assign to unvested equity — even with a consistent multi-year vesting history.
We maintain a live map of how each lender's credit policy treats every component of executive remuneration — STIs, LTIs, RSU vesting schedules, ESS, distributions, director's fees. Your file goes once, to the credit team that reads it best.
One structured intake meeting. We deal directly with your EA, accountant and solicitor from there. Meetings at your office or after hours; everything else is signatures and decisions. Total effort: under 90 minutes.
Interest-only strategy, offset architecture, clean deductibility separation, lending via trusts or companies — signed off with your accountant, never around them. And your personal position stays out of the bank that runs your company.
Your remuneration structure, goals and timeline. Nothing is lodged and no credit enquiry is made. We liaise with your accountant for the documents.
Lender shortlist, structure recommendation, pricing negotiated below carded rates, capacity mapped against your actual income. Presented as one memo.
Signatures and decisions only. We manage valuers, solicitors, discharge teams and the bank — and report at each milestone.
Relationships with the private and premier divisions of the major banks, plus specialist lenders for structures the majors won't touch.
Every structure recommendation comes to you for sign-off before lodgement. One document request, in your format. All referral arrangements disclosed — or none at all, if that suits your practice. Judge us on one file.
Tell us where to reach you and we'll arrange a confidential review — at your office, ours, or after hours. Nothing is lodged and no credit enquiry is made.